Index Advisory
Pacific Life
8.55%
Best Cap
10%
Free W/D
50
States
A fixed indexed annuity that protects your principal while giving you the opportunity to earn interest based on positive stock market index performance. Designed for conservative-to-moderate investors seeking retirement income security with growth potential.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$25,000
Surrender
7 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| MSCI EAFE Index | Annual | 8.55% | 100% | -- |
| S&P 500 Index | Annual | 8.55% | 100% | -- |
| Fixed Account | Daily | -- | -- | 4.25% |
Key Features
Principal Protection
100% protectedYour initial investment is never reduced due to negative market performance. Even in down market years, your contract value doesn't decline.
Interest-Crediting Options
3 core optionsChoose between Fixed Account (guaranteed rate) or Index-Linked Options (Point-to-Point or Performance-Triggered). You control how to allocate your money.
Guaranteed Rate Period
5 or 7 yearsAll rates and caps remain unchanged throughout your initial guaranteed period, providing certainty for 5 or 7 years.
Tax-Deferred Growth
Significant tax advantageInterest compounds without annual income tax, meaning your money grows faster than in taxable investments.
Flexible Access
10% annual free withdrawalWithdraw up to 10% annually without charges. Systematic or partial withdrawals available starting 30 days after contract issue.
Lifetime Income
6 payout options availableConvert your contract to guaranteed income payments that last your entire life through multiple annuitization options.
Death Benefit
Standard + optional enhanced riderYour beneficiaries receive the greater of contract value or Guaranteed Minimum Surrender Value (91% of payments accumulated with interest).
Market Indexes
2 index choicesLinked to either the S&P 500 (U.S. focus) or MSCI EAFE (international markets). Performance determines interest credits.
Highlights
Principal protected from market downturns—you never lose money due to negative market performance
Growth potential linked to market indexes (S&P 500 or MSCI EAFE) without being directly invested in stocks
Tax-deferred growth compounds faster than taxable investments
Guaranteed rates and caps for your entire initial guaranteed period (5 or 7 years)
Flexible lifetime income options and death benefits for heirs
Surrender Schedule
Yr 1
7%
Yr 2
6%
Yr 3
5%
Yr 4
4%
Yr 5
3%
Yr 6
2%
Yr 7
1%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver
Best For
Conservative-to-moderate investors within 5-7 years of retirement who want principal protection, tax-deferred growth, and eventual lifetime income.
Consider Alternatives If
Aggressive growth investors seeking maximum market upside, or those who need liquidity before their chosen guarantee period ends without accepting withdrawal charges.
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